Home > First Empire Federal Savings and Loan Association > Income and Expense
First Empire Federal Savings and Loan Association, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $28,887,000 | 1,198 |
| Total interest expense | $15,395,000 | 1,095 |
| Net interest income | $13,492,000 | 1,332 |
| Provision for loan and lease losses | $245,000 | 2,607 |
| Total noninterest income | $1,622,000 | 2,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,622,000 | 1,313 |
| Total noninterest expense | $8,051,000 | 1,744 |
| Salaries and employee benefits | $3,766,000 | 1,760 |
| Premises and equipment expense | $2,181,000 | 985 |
| Additional noninterest expense | $2,104,000 | 2,308 |
| Pre-tax net operating income | $6,818,000 | 1,139 |
| Securities gains (losses) | $1,012,000 | 224 |
| Applicable income taxes | $2,544,000 | 1,029 |
| Income before extraordinary items | $5,286,000 | 1,008 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,286,000 | 1,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,597,840 | 1,124 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,300,000 | 1,194 |
| Total interest expense | $11,782,000 | 1,116 |
| Net interest income | $14,518,000 | 1,254 |
| Provision for loan and lease losses | $384,000 | 1,882 |
| Total noninterest income | $1,127,000 | 2,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,127,000 | 1,698 |
| Total noninterest expense | $7,169,000 | 1,992 |
| Salaries and employee benefits | $3,454,000 | 1,936 |
| Premises and equipment expense | $1,902,000 | 1,113 |
| Additional noninterest expense | $1,813,000 | 2,816 |
| Pre-tax net operating income | $8,092,000 | 956 |
| Securities gains (losses) | $122,000 | 695 |
| Applicable income taxes | $2,653,000 | 968 |
| Income before extraordinary items | $5,561,000 | 932 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,561,000 | 928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,160 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,478,040 | 944 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,999,000 | 1,314 |
| Total interest expense | $10,007,000 | 1,342 |
| Net interest income | $13,992,000 | 1,287 |
| Provision for loan and lease losses | $498,000 | 2,113 |
| Total noninterest income | $1,080,000 | 3,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,080,000 | 1,934 |
| Total noninterest expense | $6,414,000 | 2,261 |
| Salaries and employee benefits | $3,005,000 | 2,209 |
| Premises and equipment expense | $1,743,000 | 1,232 |
| Additional noninterest expense | $1,666,000 | 3,202 |
| Pre-tax net operating income | $8,160,000 | 895 |
| Securities gains (losses) | $751,000 | 675 |
| Applicable income taxes | $2,482,000 | 1,010 |
| Income before extraordinary items | $6,429,000 | 813 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $6,429,000 | 845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 5,302 |
| Cash dividends | $4,000,000 | 574 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,888,280 | 844 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $22,800,000 | 1,582 |
| Total interest expense | $10,884,000 | 1,603 |
| Net interest income | $11,916,000 | 1,546 |
| Provision for loan and lease losses | $566,000 | 2,744 |
| Total noninterest income | $880,000 | 3,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $880,000 | 2,172 |
| Total noninterest expense | $5,556,000 | 2,602 |
| Salaries and employee benefits | $2,544,000 | 2,540 |
| Premises and equipment expense | $1,560,000 | 1,392 |
| Additional noninterest expense | $1,452,000 | 3,698 |
| Pre-tax net operating income | $6,674,000 | 970 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $1,786,000 | 1,241 |
| Income before extraordinary items | $4,910,000 | 971 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,910,000 | 978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $3,000,000 | 590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,893,940 | 886 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.